Yes, I’ll admit, that’s a lofty statement, but what you are seconds away from reading will, in fact, change your life.

What is so groundbreaking, earth-shatteringly important, you ask?

Well, I read a book. Not just any book, but a financial book. I know what you’re thinking, but just stay with me for a second.

First, let’s get something straight. I’m not one of those people that have 15 Excel spreadsheets outlining their finances or yearly budgets and goals. If you’re one of those people, awesome. I applaud your discipline. But the truth of the matter is, I could use a little help in the organization department.

You see, no one likes talking about money, and yet everyone does, at the same time. It’s complicated and not a fun subject (as least for me). But I’ve realized I’m getting to the age—or actually have passed it—when this kind of stuff matters. So let’s get to it.

If you are in your twenties or thirties, this is a book that YOU NEED TO READ (all caps intentional). I wish for anything that I could go back in time five or ten years ago, tell this to myself, and then fast forward to now as I lay reclined in a chair getting fanned by palm fronds and fed plump grapes…

With that being said, drumroll please… The book is I Will Teach You To Be Rich by Ramit Sethi. Pretty simple, straight-forward, and self-explanatory, right? It’s a NY Times Best-Seller and I’m only just now getting around to reading it after multiple friends suggested that I read it because of the amazing, earth-shattering financial advice. Sounds fascinating, you say (insert eye roll here).

But really, here’s the best part: It’s simple, easy-to-read, and direct. Perfect to digest the world of finance for laypeople like myself. I’ll admit, financial jargon for me may as well be like trying to understand Icelandic. I even worked in the financial industry for roughly three years and still need a reminder about just what exactly ETFs are. Don’t know? Read this book.

The thing is, Ramit speaks in simple terms on how to manage and grow your money. He even gives you dialogues that you can directly use to increase your credit limit, lower your APR, and negotiate fees from your banks (which in the end, can potentially save you thousands of dollars every year!). I used a few of these dialogues from the book and in a five minute conversation with one of my credit card companies, I managed to nearly double my credit limit (important for your credit score) and waive a recent $75 fee. I’m no financial guru, but I got off the phone and was pretty stoked on my financial prowess. Holler for a \m/ real-life adult moment.

And the best part? He’s entertaining. Don’t think you’re going to pick up this book and read boring financial jargon. Take something like him comparing people with no credit card debt to the ‘80s Salt ‘N Pepa song “Push It.”

The guy isn’t like other finance gurus either who tell you to cut back ruthlessly on your spending. Money is to spend, after all. Instead, he teaches you how to be smart about your money so that you can reallocate it to the things you actually care about rather than all the things you don’t (but somehow still manage to spend your money on). He talks about how budgeting is “the worst word in the history of the world” because let’s be real, nobody ever sticks to a budget. Instead, he talks about how you can reorganize your finances to make sure you spend your money on the things you want to (and how to not feel guilty about it). He relates how one friend justifiably spends $21,000 a year going out and another friend spends $5,000 a year on shoes. It’s because they spend the money on what matters to them and cut out the things they don’t love.

He talks about investing and where and how to start. For those of you already on your financial A-game, he goes into more detail on how you can maximize your investing. He even tells you how to automate your different accounts (full with flow charts and pictures for the visual learners, like myself) so that each month, money funnels into your different accounts and you don’t even have to think twice about how much you’re saving or spending or investing. It’s all done automatically.

I’ll admit, I’m far from a financial guru, but this book is a serious game-changer as far as finances go. I’m telling you people, if you do nothing else, pick up this book and get reading. Your bank account will thank you!